Do you live in the Philippines and have you been thinking about getting a small personal loan? Well, you will be glad to know that with Cashcat, you can find the best financial services in the Philippines without breaking a sweat. So, what is Cashcat and how does it work?

Here’s what you should know.

About Cashcat – Is the company legit?

Cashcat is a loan search company based in Tallinn, Estonia that is owned by Howpo OÜ. Cashcat doesn’t disburse loans directly. Instead, it acts as a broker by helping people compare and find different lenders from around the world. Doing this significantly reduces the time and energy needed to visit every lending institution to get a loan.

Cashcat is a registered loan broker that prides itself in building a business network with some of the most trusted credit providers in the world. Meaning all the loan offers provided by this company are safe and favorable for every Filipina.

Advantages of using Cashcat

Advantages of using Cashcat

It’s not easy finding a trustworthy credit company that provides Filipinas with a quick online loan. This is where Cashcat comes in. Cashcat offers simple loan advertising and measurement services and it’s here that anyone can find a good loan regardless of whether they have a bank account. After all, Cashcat works together with countless credit partners to ensure that their offers match the needs of the average Filipina consumer.

Another benefit of using Cashcat is the simple loan application process. It takes only a few minutes to apply for a loan and applications are accepted 24/7. This search service also offers several types of loans and it takes less than 24 hours for a loan to be approved.

Loans offered by Cashcat

The company offers different types of loans so you can choose the one that suits your needs.

Student loans

Education is essential in every person’s life, but sadly, not everyone has the means of paying for their higher education or buying books and funding other school projects. For those looking forward to paying their tuition fees, Cashcat has some of the best student online loans in the country.

Medical loans

Medical emergencies arise all the time and sometimes health insurance does not cover the whole bill. Cashcat provides a ton of medical loan offers that help people pay their medical bills and go back to living a healthy, undisturbed life.

Home improvement loans

The Philippines is often affected by typhoons which can destroy homes. Remembering that housing materials can be sometimes quite expensive, taking a loan may be necessary to fix the few damaged areas. Fortunately, Cashcat makes it extremely easy for people to apply for and receive home improvement loans.

Applying for a loan from Cashcat

Applying for a loan from Cashcat

Applying for Cashcat loans is a simple and straightforward task. It doesn’t matter whether you’re looking for an urgent medical loan or a small home improvement one, the application process is quick and you’ll be enjoying fair loan terms. So, continue reading and we’ll tell you all the documents you’ll need as well as the steps you can take to get a loan.

Borrower Requirements and Documentation

To receive online credit through Cashcat, you must be aged between 21 and 50 years old. You must also be a Filipino citizen with a valid home address in the Philippines. Lenders hoping to get a loan through Cashcat must also be employed or self-employed with a steady income.

The only major documentation required is a Government ID and you’ll also be required to submit your mobile phone number and email address. To increase your chances of getting approved, you can also provide your latest proof of billing, payslip, or Company ID.

Application process

The following steps should be taken when applying for a Cashcat loan.

Step 1

Visit Cashcat’s website and on the homepage select whether you have a bank account.

Step 2

Click the ‘Get a loan now’ button and enter your basic details such as name, email address, mobile phone number, and monthly income.

Step 3

Click ‘Find offers’ and a list of all the available loans will appear.

Step 4

Choose the offer that fits your needs.

Step 5

You’ll be redirected to the lender’s website to finish the application.

Obtaining methods

Cashcat loans are disbursed through various banks and those without bank accounts can get their loan from offline branches. The loan amount is normally disbursed before the day ends and remember Cashcat isn’t an online lending company, meaning they won’t assess your credit history. This is the lender’s work. After receiving your application, the lender will do a soft credit check and make sure you’re eligible for a loan.

If you accept the offer, they will do an in-depth assessment and check your credit rating to make sure you’ll be a responsible lender.

Repayment of the loan

Repayment of the loan

To repay a loan, users can transfer the money through their bank accounts or cards. You can also visit the physical offices of the lenders to repay your loan. Cashcat loans can also be repaid through 7-eleven. Simply visit a 7-eleven branch near you and you’ll be given a set of instructions on how you can pay back your loan.

While paying back the loan, make sure you’ve properly calculated the interest. Actually, calculate your loan’s interest as soon as you receive the offer.

This is because calculating interest and installments early will help you plan how you’re going to split your payslip and make timely payments. Making timely payments is crucial when it comes to online loans. The last thing you need is accumulating daily penalty fees for defaulting on a loan.


Cashcat gathers only the best offers from lenders which means you’re guaranteed to always find a loan with a reasonable interest rate and terms. As we mentioned earlier, this company doesn’t directly hand out loans.

The lending companies will be the ones checking your instant credit score and other credit ratings to ensure you can pay back the borrowed money. Far away from this, Cashcat is an amazing online loan search service that you should definitely try out.